Personal loans in North Chevy Chase, MD

For the 676 people in North Chevy Chase, Maryland runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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The Census estimates 676 residents in North Chevy Chase, which ranks it 113th of 157 places in Maryland. North Chevy Chase counts about 676 people, and what is genuinely local about borrowing here is limited — Maryland law does the governing. From the 2020 Census base to the 2023 estimate, the population declined by about 0.9%. Compare APR, not the interest rate, because the APR folds in most fees on a North Chevy Chase loan. The next larger city is Chevy Chase View, MD about 1 miles away.

Borrowing in North Chevy Chase: the local picture

Set out below is North Chevy Chase's local context next to the state-level rules that reach every lender here.

Population: 676 people, a figure that places North Chevy Chase 113th among the 157 Census places in Maryland (US Census Bureau, Vintage 2023).
Population trend: Lower by roughly 0.9% since the 2020 count.
Net change: roughly 6 fewer people than the 2020 Census counted.
Size percentile: North Chevy Chase sits ahead of around 28% of Maryland places, at 676 people.
Density: roughly 5,828 residents per square mile, spread over 0.1 sq mi of land.
Land area rank: North Chevy Chase's 0.1 square miles rank 150th of 157 places in Maryland.
Share of state population: North Chevy Chase's 676 residents are about 0.0% of Maryland.
National rank: North Chevy Chase sits 11,946th by population among the 19,457 places in this dataset.
Growth in Maryland: North Chevy Chase stands 94th by percentage change from 2020 to 2023, among 157 places.
Against the state trend: North Chevy Chase's 0.9% change compares with a Maryland average of +0.7% across its 157 places.
Density rank: North Chevy Chase is the 17th most densely settled place in Maryland.
Density in context: North Chevy Chase's 5,828 people per square mile sit against a Maryland median of 1,734.
Location: it lies at 39.0021, -77.0741 in the Census Gazetteer.
Nearest larger cities: Chevy Chase View (1 mi); Chevy Chase (1 mi); Chevy Chase Section Three (2 mi); Martin's Additions (2 mi); Kensington (2 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Smaller communities close by: Chevy Chase Section Five (1 mi); Glen Echo (4 mi); North Brentwood (8 mi), each with its own Census population profile.
Within a 50-mile radius: 19 smaller Census places.
Larger places within 100 miles: 279.

Lender access in North Chevy Chase

North Chevy Chase is a densely built community of about 676 people, with 85 larger places inside a 50-mile radius. Whether North Chevy Chase has a local branch or not, a Maryland-licensed lender can serve its 676 people online on the same terms. The nearest bigger place is Chevy Chase View, MD about 1 miles away.

Maryland consumer-lending rules applied in North Chevy Chase

The rows below set out what a licensed lender must follow in Maryland, and so for North Chevy Chase's roughly 676 residents.

Rule	Detail	Source
State lending regulator	Office of Financial Regulation; Commissioner of Financial Regulation (Maryland Department of Labor) Source says: "is Maryland's consumer financial protection agency and financial services regulator"	Maryland Department of Labor as of 2026-09-16
OFR consumer-loan interest-rate limits	2.75%/month (33%/yr) on the first $1,000 of a loan ≤$2,000; 2%/month (24%/yr) thereafter and on loans over $2,000 Source says: "Maximum interest rate allowed by law is 2.75% per month or an annual interest rate of 33%"	Maryland Department of Labor, Office of Financial Regulation as of 2026-09-16
Maximum legal interest rate (usury cap)	24% per year effective simple interest for qualifying loans (Md. Code Com. Law § 12-103(c)); otherwise 8% (written agreement) or 18% Source says: "a lender may charge an effective rate of simple interest not in excess of 24 percent per year on the unpaid principal balance"	Maryland General Assembly as of 2026-09-16

Steps to take before a North Chevy Chase loan

For North Chevy Chase's roughly 676 residents, these are the steps that most influence the offer:

Start with the credit file: order the reports, fix the errors, then apply.
Model the payment on the calculator before a lender models it for you.
Line up several pre-qualified offers and let the APR decide.
Verify the lender's Maryland licence with the regulator listed on this page.
Check the disclosure for fees that raise the true cost above the quoted rate.
Test the payment against your current bills before you commit.
Weigh a shorter term's higher payment against the interest it saves.

The process is identical across Maryland; what changes is your credit file, not the fact that North Chevy Chase holds 676 people.

North Chevy Chase: area, density and distance

Inside North Chevy Chase's boundaries lie about 0.1 square miles of land, with no significant water area recorded. Spread across it are roughly 5,828 residents per square mile. The largest place in Maryland, Baltimore, lies about 32 miles away. North Chevy Chase has 85 larger places within a 50-mile radius. By land area it ranks 150th of 157 Maryland places.

How personal loans work in North Chevy Chase

Most loans made to North Chevy Chase's 676 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving North Chevy Chase's 676 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a North Chevy Chase loan but raises total interest, so the smallest payment is not the cheapest loan.

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Common questions

What are my options in North Chevy Chase if my credit is poor?

Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in North Chevy Chase is the same as anywhere in Maryland.

What loan size can I expect in North Chevy Chase?

Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.

Do I have to pledge anything to borrow in North Chevy Chase?

For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.

Does comparing loans in North Chevy Chase cost me credit score points?

Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Chevy Chase Section Five, MD — population 663
Chevy Chase View, MD — population 996
Chevy Chase, MD — population 2,866
Chevy Chase Section Three, MD — population 791
Martin's Additions, MD — population 931
Kensington, MD — population 2,108
Chevy Chase Village, MD — population 2,027
Garrett Park, MD — population 982